Having accidents on record will certainly affect auto insurance premium as it will put you in the high risk drivers category. However, how much it does influence rates depends on many factors like age, experience, the number of claims you made, credit score, when you had the last incident, the provider and state you live…
Continue readingDealing with Claims
Not many people intend to make claims when they buy car insurance policies. However, it is something you are likely to have to deal. It is always better to be prepared.
How Many Claims before Car Insurance Cancels?
Some people think that they have coverage and they can make as many claims as they want. This is perhaps true up to a point but things can get ugly after that. Premiums are set based on the information provided at the time of purchase. When new information comes to light, the underwriters reconsider the…
Continue readingCan My Auto Insurance Be Cancelled Due to Accidents?
Unexpected bad things do happen on the roads and that is one of the reasons why you buy vehicle insurance coverage. Naturally, you would expect your looses fairly compensated if the vehicle needs repairs. If you caused injuries and damages to other people, they would certainly make a claim on your policy. This is a…
Continue readingWhat Happens if your Car Insurance Claim Is Denied?
You buy a policy to protect yourself against many unknown damages and/or liabilities. Most people don’t even think about possible repairs and injuries when they buy automobile insurance. They arrange it because it is a sensible thing to do. But one day you may suffer losses and feel that it is time to ask some…
Continue readingVanishing and Zero Deductible Auto Insurance
You may be able to buy a zero deductible policy, pay nothing towards certain losses or required to contribute by law in some states. It is the portion of a claim you need to meet out of pocket before the insurer settles the rest of the damages. Reducing the out of pocket money may be…
Continue readingWill Insurance Pay If I Damage my Own Car or Property?
There are many scenarios in which you may crash into an automobile or property that belongs to you and wonder if insurance will pay for them. The answer mainly depends on coverage and circumstances of the incident. So, it is best to break down this question and try to clarify the position as best as…
Continue readingWhat Happens if You Don’t Have Auto Insurance?
For most people it is unimaginable to drive without vehicle insurance. However, about 14% of the US motorists don’t have coverage. They have already gone pass that and now asking what if I got caught? Actually, they may be considering the question everyday but they cannot get out of this situation due to their circumstances….
Continue readingWhat Happens if You Get in an Accident Without Insurance?
Dealing with a vehicle accident can be stressful and complicated even when you are fully covered. The situation can be painful and financially ruining when you have a crash with no insurance. You may have a momentary misjudgement and feel that it is a calculated risk for whatever reason. However, excuses will not help in…
Continue readingCan Insurance Help If Someone Sues You after a Car Accident?
Having to defend yourself can be as stressful as the incident itself. After a traffic accident, what happens when someone sues you depends on how good your Liability auto insurance coverage is. The one thing that can reduce stress at this point is the existence of a sufficient policy to lean onto. Usually, the carrier…
Continue readingAutomobile Insurance Rules
There are various rules and guidelines that determine the industry practices. They are mainly in two parts. Driving and insurance is regulated by the states and therefore each state would have their rules which determine what coverage drivers must have and what insurers can and cannot do. The second part is the industry self-imposed standard…
Continue reading10 Common Car Insurance Problems to Avoid for Claims
Policyholders may make the mistake of seeing vehicle insurance claim settlements as an automatic outcome of buying coverage, but it isn’t always the case. You are right to expect them to compensate own and third party damages. Nonetheless, it is naive to think that this will be a simple case of submitting a form. There…
Continue readingWhy You Need Good Auto Insurance Coverage – True Story
You really don’t know what can happen on the roads. You may be a great driver and not had a claim for over ten years and one of those days you need the insurer to bail you out. This little story highlights the importance of having a good car insurance cover. Knowing you have the…
Continue reading10 Words Not to Say to Insurance Company after Accident
Occasionally, automobile insurers and third parties pick words from a statement and use them against you. Sometimes you may get yourself in trouble when you talk too much. You may think that you are explaining or being helpful. So, what not to say to a car insurance company after an accident? Keep it simple and…
Continue readingWill No Fault Accidents Increase Auto Insurance Premiums?
When you suffer an accident that was caused by someone else you would be angry with them and worry about its consequences. Initial concerns would be who pays and what happens to renewal quotes. Would the premium go up or stay the same? Do insurance rates go up after no-fault accident, anyway? This post will…
Continue readingWhat Is Next after Submitting a Vehicle Insurance Claim?
We cannot stand being made to wait for repairs or insurance settlements following totaled automobiles. Cars are very essential part of American life. As our policies would be cancelled if we were few days late on premium installments we should be sharp in reacting to slow paying companies too. So, here are the things you…
Continue readingCan You Negotiate with Auto Insurance Claims Adjusters?
The lower the payouts are the better for auto insurance companies. Along this line, a claims adjuster would want to please his/her employers by getting the best settlement for them. On the other hand, policyholders would want and expect that carriers would try their best to get repairs done in time. Also they expect a…
Continue readingBest and Worst Car Insurance Companies for Paying Claims
Most of them would settle sooner or later and a little bit more or less. However, it is important to seek out the best auto insurance companies for claims and avoid the ones with the worst records when you are highly dependent on a car and your routine would be seriously disrupted without it. Besides,…
Continue readingHow Auto Insurance Coverage Can Affect Claim Settlements
Make no mistake that insufficient car insurance coverage can hinder claim payments. It is always disappointing when it is turned down or you aren’t paid enough. Naturally, you would feel you are handled badly by the adjuster or carrier. This may be true but high expectations can be the reason behind dissatisfaction. Also, It may…
Continue readingWhat to Know before Canceling Auto Insurance Coverage
There are times motorists need to stop car insurance policies. Then, they should mind a few points to avoid issues later on. We will have a look at them below. Most companies will not have problems with cancellation and they are obliged to refund the unused portions of premiums paid. People should communicate with agents…
Continue readingCold Weather, Running Engines and Auto Theft
Do you think it is a good idea to leave a car running when you aren’t in it? You probably answer no to this question without even thinking because it sounds pointless and risky. However, many motorists leave the keys on the vehicle or even leave it on and ready for auto thieves to take…
Continue readingWould Vehicle Insurers Accept Policy Mistakes & Pay Claims?
What happens when there is a claim and an auto insurer failed to follow customer instructions to add certain coverage on the policy? For example, you wanted to include Collision as well for a vehicle that was in storage because now you wanted to drive it. But they renewed it the way it was without…
Continue readingPileup Car Accidents & Insurance: Who Pays for Damages?
Usually massive ones happen only occasionally. But smaller ones do happen especially in bad weather conditions. We all sit in traffic waiting for it to be cleared off the road. Imagine a pileup involving 10s of vehicles. It would take hours to clear the road to start with. Preparing an accident report can take a…
Continue readingHow to Find if a Vehicle Has Insurance Coverage or not?
If you are a victim of a hit and run accident and know the license plate number, there are several ways of finding out if the offending car has insurance or not. Knowing its status is probably the first step in deciding what to do next and where to submit a claim for the losses….
Continue readingHow Do Hit and Run Automobile Insurance Claims Work?
It is challenging to file a claim when you have no information about the person who caused the damage. Thankfully, there is a solution you can purchase to deal with these sorts of situations. We will try to explain the process and hopefully you will know what to expect at the end. Let’s start with…
Continue readingHow Long Do Car Insurance Claims Take to Settle?
There are various types of automobile insurance claims. Some are pretty straightforward and companies don’t take long to settle and they do it with minimum fuss. And there are cases where things aren’t entirely under their control since there are third parties involved. Yet it is possible to have an educated guess for each type…
Continue reading10 Things You Should Do After a Vehicle Accident
Traffic accidents can happen to even the best of drivers. Weather condition and other motorists may pull you into one. If you ever get involved in one it is best you snap out of the initial shock and function calmly for the benefit of everyone involved. What you do in the initial minutes can be…
Continue readingHow to File Claims with Third Party (Others’) Auto Insurers
An auto accident would stress you naturally. After you get over the initial shocks there are still many things to deal with. If there were injuries, physical suffering would be added to mental stress. Then, there are the issues of car repairs, claim forms and who is going to pay for the damages. It is…
Continue readingHabitual Vehicle Insurance Automatic Renewals Can Be Costly
Auto-renew is a great backup facility for people who have busy lives or a tendency to forget things. It is a very smart solution for car insurance companies. Who could complain about a customer who has already arranged to pay for the next shipments? However, this can turn into a costly mistake, if it turns…
Continue readingWhat to Do If Not Satisfied with Car Insurance Claim Settlements
Even with all the honest and good intentions there could be errors, omissions and mistakes in the way auto insurance companies handle claims. Also, there could be miscalculations and misjudgements on the parts of people involved. Expecting that everything would go without a single glitch may be too optimistic. The first contact point should be…
Continue readingWhat to Do if Unhappy with Vehicle Insurance Claim Handling?
Naturally, you will find many pages on websites about how they can save you money on premiums but not much information on how they handle customer grievances. Most policyholders are good at paying in time and they expect the same from carriers. So, what could they do if they are not happy with the way…
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